Types of Auto Insurance

Auto insurance is meant to offer protection against financial loss in the event of theft or if your car is involved in an accident. Understanding the different types of auto insurance is an important step in ensuring you get what’s right for you.

Most states have laws that set the minimum amounts of financial responsibility car owners must have before they can legally drive. Even though not all types of auto insurance are required, purchasing extra coverage with Silverton Insurance Specialist, LLC is the best way to ensure maximum protection. Most car owners know a thing or two about auto insurance, the only problem is being able to differentiate one form of coverage from another. Below, we detail the different types of auto insurance to help you make an informed decision:

Liability

This car insurance covers property damage and bodily injuries that you may cause to others. Most states have a minimum requirement for the amount of coverage you must have under liability insurance; however, buying more than the state-required minimum is usually a good idea as it offers extra protection.

Collision

Collision insurance is meant to repair or replace the policyholder’s car in the event of a covered accident resulting from a collision.

Comprehensive

This car insurance covers all physical damage to your car from non-collision accidents such as vandalism, accidents with animals, theft, fire, and certain weather events.

Uninsured/underinsured

All drivers are required to carry auto insurance; unfortunately, this is not always the case. Uninsured/underinsured coverage protects you and your car in case you are involved in an accident caused by a driver with none or minimal insurance. It can also come in handy in hit-and-run situations.

At Silverton Insurance Specialist, LLC, we provide affordable and reliable auto insurance policies. Our knowledgeable agents will help you determine the right amounts of coverage concerning state laws. Contact us today for a peaceful driving experience.